Aussie Credit Card

Manage my account

Managing your account online

You first need to register to access your account online. You can also call us on 1300 660 841.

With your online account access you can easily:

View your credit card balance

Transactions for the previous 120 days

View all transactions since your last statement

You can also print statement details for the previous three months and download your transactions to your own financial software package.

With your online account access you can also:

Pay bills for over 15,000 registered billers via BPAY® - just look for the ones that display the BPAY logo.

Pay anyone - transfer funds to accounts held at other financial Australian institutions.

Other great features

Through your online account access you can also:

Request a change to your credit card limit

Make payments

Add an additional cardholder to your credit card account

Transfer balances from other non-Aussie credit cards

Managing your account over the phone

You can securely access your credit card account over the phone (once phone access is set up) 24 hours a day, 7 days a week.

Over the phone you can:

Check your account balance and get the details of your last 20 transactions

Pay over 15,000 types of bills using BPAY®

Change your address details if you have recently moved

Order previous credit card statements

To register, call us on 1300 660 841 anytime.

Changing personal details

You can change your personal details by calling us on 1300 660 841.

Changing your credit limit

You can request an increase or decrease to your credit card limit at any time. We offer limits from $1,000 to $15,000, subject to an assessment of your financial situation. It's easy to apply for a change to your credit card limit.

All cardholders must be over 16 and will also need to have their ID confirmed.

**Can be subject to system outages. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. We recommend you read the Aussie MasterCard conditions of use before acquiring the product. Aussie credit cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Credit Licence Number 234527.

Making payments

Making your monthly credit card payments

Each month you'll need to pay at least 2% of the amount you owe on your credit card or $10, whichever amount is higher.

We'll send you a statement letting you know the minimum amount you have to pay. The statement will also show you the full amount owing on your credit card (also known as the Closing Balance).

To make your monthly payment you can use:

BPAY®

CardPay Direct

A cheque

BPAY®

BPAY®is the easiest way to make a payment. Use it to transfer funds from your cheque or savings account at any time via the Internet or Telephone Access. The Aussie MasterCard Biller code is 838805. Your credit card number is your reference number.

CardPay Direct

CardPay Direct is a direct debit arrangement from your nominated transaction account. It takes the hassle out of paying your credit card bills. Once you set it up, all your payments are automatic. Check this is available with your financial institution.

You can choose to:

Debit the minimum monthly payment - This way you can be sure you won't miss a payment but you can still make additional payments at any time.

Debit a fixed amount - So you know exactly what's coming out of your account each month.

Debit the total amount owing each month

A great way to save on interest, but you need to be sure there's enough money in your account each month to cover your full credit card balance.

Call us on 1300 660 841 to apply for CardPay Direct or printout and complete the CardPay Direct Form and post it to us.

Cheque

Tear off and complete the payment slip from your statement then send it and a cheque to:

Aussie credit cards
Locked Bag 3135
GPO Melbourne VIC 3001

Other things you should know about credit card payments

If you have balances on your account earning different interest amounts, then the balance earning the lowest interest will be paid off first by any payments made. So if you are on a promotional interest rate of 2.99% p.a. for example, but you've also bought things on our standard low rate of 13.29% p.a., the promotional amount will be paid off first.

If you are late with a monthly payment then you will be charged a fee of $25.

If you spend more than your credit limit you'll be charged $25. You'll only be charged this fee once per month, regardless of how many times you go over the limit.

Your up-to-55 day interest free period is based on your statement and payment cycles. Basically, you get a statement every 30 days and have 25 days to pay that statement. If you paid your previous statement balance in full by the due date and you make a purchase on the first day of the next cycle, you have 55 interest-free days on that purchase.

Aussie credit cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Credit Licence Number 234527.

Using your card

Using your card overseas

Wherever you are in the world, you can access your Aussie MasterCard account.

MasterCard is accepted worldwide - at more locations, in as many countries as any other card. You can use your MasterCard in over 34 million retailers, and over 1.9 million ATMs, in over 210 countries.

Cash withdrawal charges

A 2% fee will be charged if you obtain a cash advance from your credit card account.

If the account (based on transactions processed by us) is in credit balance at the time we process the cash advance, the credit amount will offset the amount of the cash advance in the calculation of the 2% fee. Minimum fee for Overseas ATM & Branch Cash Advances will apply.

For cash advances made overseas at an ATM or a bank or financial institution, the 2% fee will be calculated with reference to the cash advance amount, any ATM operator fee plus any Overseas Transaction Fee charged on the transaction. A minimum fee of $4.00 applies to overseas cash advances.

Minimum fee of $4.00 applies to cash advances made at a bank or other financial institution within Australia.

Some ATMs and overseas EFTPOS locations may also impose a surcharge.

If your account is in credit at the time your cash advance is processed to your credit card account, the Cash Advance Fee will apply to the amount of the cash advance that exceeds the credit balance and the minimum fee will apply. Some ATMs and overseas EFTPOS locations may also impose a surcharge.

If a cash advance is made in a foreign currency, the Cash Advance Fee will apply to the cash advance and the Overseas Transaction Fee.

Up to a total of 95% of your available credit limit at the time of processing.

You can't transfer balances:

From international credit cards or store cards

If the amount is less than $100 per card

If the balance on your Aussie credit card account has reached or exceeded 95% of the available credit limit

If you're in default under an existing Aussie credit card account at the time the application is received

If the other credit card or store card account named in your application is in default at the time the application is received

If your Aussie MasterCard® has not been activated

Log-in to your account online to arrange for same day processing of balance transfers online

When logged into your account, look under the "Cards" section and then click on the "Credit Card Balance Transfer" link on the page to request the transfer to your Aussie credit card.

Make the request before 6pm (EST) on a business day (excluding bank holidays), and the transfer will be processed by us that same day.

Online transfers requested after 6pm will be processed by us on the next business day (excluding bank holidays)

For online access - If you go online to request the transfer to your Aussie credit card before 6pm (EST) on a business day (excluding bank holidays), the transfer will be processed by us that same day. Online transfers requested after 6pm will be processed by us on the next business day (excluding bank holidays).

For phone access - If you request the transfer over the phone, it will take around 3 working days to process if approved.

How soon the money will go into the account of your other card depends on the policy and systems of the issuer of that card.

We'll send you a letter once the balance transfer has been completed by us. Transfer details will also appear on your Aussie MasterCard® statement and the statement of your other card. You should continue to make repayments on any amounts outstanding with other cards until we notify you of the transfer.

Balance transfer fees & limits

Aussie doesn't charge balance transfer transaction fees but you still have to pay the other normal fees and interest charges on your credit card account.

We will only process balance transfer requests up to 95% of the available credit limit on your credit card.

Check any automatic bill payments that you've set up, because if the payment and the transfer happen at the same time you could go over your limit. To delete any bill payment you think might cause a problem, log in to your online account access and go to "Future Payments/Transfers".

We may be able to increase your limit to cover the transfer amount, which you need to apply for.

Only valid for balance transfers from non-Aussie credit cards. Interest accrues on balance transfers from the date the transfer is processed by us. Terms and conditions apply to balance transfers. For a copy of the terms and conditions please call 1300 660 841. From date of card approval. Only valid for balance transfers from non-Aussie credit and store cards. Balance transfer rate applies only to the balance transferred for six months from the date your card is approved, and then reverts to the standard variable rate applicable for purchases on your card.

Partner benefits

We have some great deals for our credit card customers:

Priceless Sydney - Welcome to Priceless Sydney. A unique collection of experiences selected exclusively for Aussie MasterCard cardholders. From dining, shopping and sporting opportunities to exciting hotel and entertainment offers, the best of Sydney is waiting at PricelessSydney.com.au

MasterCard® Privileges - the place to indulge in a broad range of local and global experiences across dining, travel, retail and entertainment. Available to all Aussie MasterCard cardholders, treat yourself today at mastercard.com.au/privileges

eDine (existing eDine customers only) - Get discounts at over 2500 restaurants, hotels, car hire & attractions around Australia & New Zealand. It's just $35 a year, so your eDine membership could pay for itself the second time you use it. Join now by calling 1300 660 841 to checkout all the offers and discounts available through eDine. Current members can login to the eDine website here.

Fees & charges

In addition to our low annual fee of $49, there are a few additional credit card fees you need to be aware of. Most of these extra fees can be avoided - we'll tell you how.

Standard variable interest rates

Purchase rate: 13.29% p.a.
Cash advance rate: 21.49% p.a.

Fee

How to avoid it

Overlimit fee: $25
If the balance of your account exceeds your credit limit at any time during a statement period you'll be charged $25 at the end of that Statement Period.

You can avoid this fee by spending within your approved credit limit. You can check your limit and available balance any time online (if you've registered for account access online) or over the phone on 1300 660 841. You can also apply for a higher credit limit. To opt out (withdraw consent) from being charged an overlimit fee call us on 1300 660 841.

Late payment fee: $25
If you don't pay the "Minimum Monthly Payment" plus any amount "Payable Immediately" by the "Due Date" shown on the statement of account, you'll be charged $25.

Pay the amount shown by the due date

Cash advance fee
A 2% fee will be charged if you obtain a cash advance from your credit card account.

If the account (based on transactions processed by us) is in credit balance at the time we process the cash advance, the credit amount will offset the amount of the cash advance in the calculation of the 2% fee. Minimum fee for Overseas ATM & Branch Cash Advances will apply.

For cash advances made overseas at an ATM or a bank or financial institution, the 2% fee will be calculated with reference to the cash advance amount, any ATM operator fee plus any Overseas Transaction Fee charged on the transaction. A minimum fee of $4.00 applies to overseas cash advances.

A minimum fee of $4.00 applies to cash advances made at a bank or other financial institution within Australia.

Some ATMs and overseas EFTPOS locations may also impose a surcharge.

If you need to get a cash advance, this one is difficult to avoid. But if your account is in credit at the time your cash advance is processed, the fee will only apply to the amount of the cash advance that exceeds the credit balance and the minimum fee will apply.

Overseas Transaction fee: variable3% the value of any foreign or Australian currency transaction charged to the Aussie MasterCard account where the ATM, merchant or financial institution accepting the card is located outside of Australia.

**The standard variable interest rate for purchases is 13.29% p.a. and on cash advances is 21.49% p.a. Rates are current as at 15 November 2013 and subject to change. Aussie credit cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Credit Licence Number 234527.

Safety and security

Card safety and security

We have lots of technology and processes in place to protect your credit card from fraud. We'll call you if we spot any suspicious use on your card, but there are a few precautions you can take as well.

Protect your credit card information

When you receive your credit card, immediately sign the strip on the back. Don't let anyone else use your credit card. When it expires, cut it in half.

Protect your PIN

Memorise your PIN (Personal Identification Number) and destroy the piece of paper it came on.

Don't keep a reminder of it in your wallet along with your credit card.

Don't let anyone else know your PIN - even family and friends.

Don't let anyone else see your PIN when you enter it into an ATM or any other electronic terminal.

Don't write your PIN on your credit card, even if you try to disguise it.

Take care while shopping online

Deal only with reputable sites. Anyone can establish an internet site, so if you're unsure, request more information about the company and ask about its return and refund policy.

Look for the padlock symbol at the bottom of your internet window. It means the site is encrypted â€" making it difficult for another person to intercept the information you send over the internet.

Keep an eye on your credit card

When paying for things, particularly when overseas, try not to leave your credit card out of sight. Make sure when you make purchases the credit card is given back to you, always check the amount you are signing for when making a purchase, and ensure your credit card isn't scanned twice.

Don't reveal your credit card details

Never give out your credit card details to anyone unless you are sure they are legitimate, even if contacted by someone claiming to be from Aussie.

Check your statements and account balance online

If you notify us of the suspicious transaction - and the transaction is found not to be yours - then you won't be liable for the payment.

Remember, sometimes the name of the store which appears on the statement is different from the store's trading name under, for example Joe Smith may trade as Acme Interiors.

Keep a record of your purchases

You should always get a printed transaction record in a bricks-and-mortar store, so make sure you print out your receipts when you shop online as well. A full set of records makes it much easier to check your credit card statement and ensure that all the purchases have been authorised by you or an additional card holder.

Sign up for MasterCard SecureCode

For extra peace of mind sign up for MasterCard SecureCode. It's a free online security service that protects your card against unauthorised use when you shop online.

When you shop at participating online stores, you enter your MasterCard SecureCode password in the same way you would enter your PIN at an ATM. It means that only you can use your Aussie MasterCard online.

Lost or stolen cards

Please report a lost or stolen credit card, as soon as possible on 1300 660 841 so that we can block all transactions on your credit card account.

If you're overseas, call us on +61 3 8699 6997. We're happy for you to reverse the charges.

We'll send you a replacement credit card as soon as possible.

Unauthorised transactions

If you see any suspicious transactions listed, call us as soon as you can on 1300 660 841. Or download the dispute form and send it to us.

When checking your transaction record, look out for:

Multiple transactions when you can only remember one.

Merchants you have never heard of.

Remember, sometimes the name of the store which appears on the statement may be different from the store's trading name â€" so check the name against your printed receipts.

Zero Liability

MasterCard® Zero Liability gives you the peace of mind of free protection against fraudulent transactions made with your card.

As a MasterCard cardholder, you are automatically covered by the Zero Liability policy for unauthorised transactions made using your card, in stores, online or over the phone. Find out more at http://www.mastercard.com.au/zero-liability.html.

**You may be liable for any other expenses incurred. Aussie credit cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Credit Licence Number 234527.

Aussie credit cards are provided under agreement by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, Australian Credit Licence Number 234527.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ and Tap & Go™ are trademarks of MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.